Enjoy $300 as a new Chase checking customer, when you open a Chase Premier Plus CheckingSM account and set up direct deposit. This is our recommended Checking account for the added benefits. Full Review

Get up to $350 when you open a new Chase Total Checking® account with Direct Deposit and/or open a new Chase SavingsSM account, deposit $10,000 or more in new money and maintain a $10,000 balance for 90 days. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. Full Review

Open a new TD Bank Premier CheckingSM account online to earn a $300 bonus. Or, open a new TD Bank Convenience CheckingSM account online to earn a $150 bonus. Both offers have a direct deposit requirement. Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. This is one of the best credit card bonuses for a travel card. Full Review

Open an online Money Market Account from CIT Bank (available nationwide) and earn a 1.75% APY rate on all balances. There’s no monthly service charge and the minimum opening deposit is just $100. Full Review

By: Tony Phan | Last Updated: March 19, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Get the latest Salem Five Bank promotions, bonuses, and offers for their Checking, Savings, CD accounts here. Salem Bank consistently has one of the best rates for their Savings accounts, with their CD accounts also being very competitive.

Salem Five has their traditional brick-and-mortar banking network referred to as Salem Five Bank, and they also have their online-only division called Salem Five Direct.

Salem Five Bank was established in 1855 and is headquartered in Salem, Massachusetts. They have grown to around 30 locations in the state.

Salem Five Direct, the online division, was created to provide the most competitive interest rates in the market. Their online products include Checking, Savings and CD accounts that you won’t find through the traditional brick-and-mortar Salem Five Savings Bank network. Rates are competitive and we compare them with the best national offers here: Savings rates | CD rates.

Both their traditional and online divisions tend to have sign-up bonuses, so we’ll review those below.

Salem Five Bank Up To $550 In Bonuses

For Massachusetts residents, Salem Five Bank has an offer where you can earn an initial $50 sign-up bonus for a new Checking account. You can then register to start making referrals for extra bonus money, up to $500 each year.

How To Get The $50 Bonus

Open a new Star Checking, Gold Star Checking, On the Job Star Checking with Salem Five bank.

You must complete ONE of the following within 60 days of accounts opening:

Complete two (2) direct deposits OVER $250 each, OR

Make six (6) online bill pays OVER $25 each**, OR

Complete twenty (20) debit card transactions OVER $5 each

Allow up to 4-6 weeks after completing all requirements of the offer for delivery of your Reward Card.

Tips:

*A direct deposit is an electronic credit such as payroll, annuities, government benefit deposits, bonuses, travel reimbursements, or other types of deposit payments from a company into a checking or savings account of an employee, retiree, taxpayer or shareholder.

Multiple bill pays to the same payee or to an individual are ineligible.

The minimum balance to open a personal Star or Gold Star Checking account is $10 in person, $100 by mail or online.

**Salem Five does not charge you for non-Salem Five ATM use. In addition, Salem Five reimburses ATM surcharges up to $15 per statement cycle. Gold Star Checking has unlimited ATM reimbursement; Star and eOne Checking are reimbursed up to $15 per statement cycle. Cash back rewards and ATM reimbursements will post as credits at the end of same statement cycle.

Then, Start Making $50 Per Referral, Up To $500 Yearly

Register to make up to $500 in referral bonuses yearly

Once you have a Salem Five Checking account open, you can start making $50 per referral, up to $500 each year.

Your friend or family member will receive an email notification containing registration instructions and requirements of this offer.

Once your friend or family member registers, opens a new checking account AND completes the following requirements within 60 days of account opening, you will BOTH receive a $50 Visa Reward Card.

Completes two (2) direct deposits OVER $250 each, OR

Makes six (6) online bill pays OVER $25 each**, OR

Completes twenty (20) debit card transactions OVER $5 each

Please allow up to 4-6 weeks after completing all requirements of this offer for delivery of your Reward Card

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

*A direct deposit is an electronic credit such as payroll, annuities, government benefit deposits, bonuses, travel reimbursements, or other types of deposit payments from a company into a checking or savings account of an employee, retiree, taxpayer or shareholder.

Multiple bill pays to the same payee or to an individual are ineligible.

The minimum balance to open a personal Star or Gold Star Checking account is $10 in person, $100 by mail or online. eOne account can only be opened online with a minimum balance of $100.

**Salem Five does not charge you for non-Salem Five ATM use. In addition, Salem Five reimburses ATM surcharges up to $15 per statement cycle. Gold Star Checking has unlimited ATM reimbursement; Star and eOne Checking are reimbursed up to $15 per statement cycle. Cash back rewards and ATM reimbursements will post as credits at the end of same statement cycle.

Salem Five Direct’s CD Account rates are fairly competitive. Use our CD Rates guide to find all the best rates, as you may prefer a different term length, deposit requirement, etc. Popular Direct, Synchrony Bank and EverBank have popular CD accounts. See more below.

By: Tony Phan | Last Updated: March 18, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Find First National Bank of Pennsylvania promotions and special rates for their Checking, Savings, Money Market and CD accounts here.

Established in 1864, First National Bank of PA is headquartered in Greenville, PA and has nearly 350 branch locations across Indiana, Maryland, Ohio, Pennsylvania and West Virginia.

They provide all your traditional banking services but they’re known for good special CD rates.

First National Bank Special CD Rates

CD Accounts from FNB are offering special CD offers available in branch only. Terms are from 3 months to 10 years and minimum opening deposits will differ depending on the rate or special offer.

Terms from three months to 10 years

Fixed Interest Rate

Interest is compounded quarterly

Interest can be credited to your certificate, paid by check or credited to another FNB account

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

How To Get Your $150 Bonus

Open a new eligible First National Bank personal Checking account using the promo code and you’ll get the $150 bonus when you complete the following:

Set up qualifying direct deposits totaling at least $1,500 within the first 90 days of account opening

Offer Tips:

Your account must be in good standing to receive the bonus

The minimum opening deposit is $50

Once requirements are met, your $150 bonus will be credited to your account on the next business day following the 90 days after account opening

Qualifying Direct Deposits include an electronic-type deposit, similar but not limited to, paycheck, pension or government benefits (such as Social Security) from your employer or other affiliated depositors

You can only receive one new Checking Account reward related offer per household per calendar year

Like other bank bonuses, the reward will be reported as income/interest to the IRS.

By: Tony Phan | Last Updated: March 18, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

PurePoint Financial is a hybrid digital bank that offers some of the best national Savings and CD rates, which are available nationwide.

Established in 2017 and headquartered in New York, NY, PurePoint Financial is a division of MUFG Union Bank, N.A., which is a subsidiary of the fifth largest financial group in the world, MUFG (Mitsubishi UFJ Financial Group).

While they offer great rates similar to other top online banks, they differ in that they also provide in-person service through their Financial Centers across the United States.

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

By: Tony Phan | Last Updated: March 18, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Live Oak Bank consistently offers some of the best Savings Account and CD account rates available nationwide.

Established in 2008 and headquartered in Wilmington, North Carolina, Live Oak Bank operates as an internet bank and is able to beat traditional brick-and-mortar bank rates with ease.

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

By: Tony Phan | Last Updated: March 18, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

EverBank (NYSE: EVER) is a financial services company that provides banking, mortgages and investing services.

They are based in Jacksonville, Florida and if you’re from the area you probably know about EverBank Field, host of the Jacksonville Jaguars.

While EverBank’s mortgages are quite popular for the company, they also do a great job providing online banking products and brokerage services with EverTrade Direct Brokerage. All in all, they’re doing good things and have over 25 billion in total assets.

We’ll focus on EverBank’s best banking products in this article, which includes their high-interesting checking, money market, and CD(Certificate of Deposit) account options. These online banking products are available to everyone nationwide.

EverBank’s Yield Pledge Checking And Bonus Offer

Updated bonus intro rate

EverBank’s Yield Pledge Checking is an online interest earning Checking account, and is a very respectable option if you’re in the hunt for one. It makes it onto our list of the best free Checking accounts.

The rates for just about all interest earning Checking accounts can vary, and that’s why EverBank sets themselves apart with a guarantee. The account gets its name from the promise to keep the yield in the top 5% of competitive accounts, which are accounts from the top 5 banks and top 5 thrifts in the United States.

If you’ve been banking locally with all the brick-and-mortar big banks around, likely you’ve come to realize their checking accounts don’t offer much in terms of earning interest. This goes for Chase, Bank of America, Citibank, Wells Fargo, etc.

This is an online only Checking account, and EverBank does not own or operate any ATMs. A benefit of this is that they will refund ATM fees automatically every month on accounts with a minimum average daily balance of $5,000.

Similar to the major banks, EverBank is an FDIC insured federal savings bank, with the standard insurance limit of $250,000.

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

EverBank Yield Pledge Money Market Bonus Rate

Money market accounts are basically an alternative to a traditional savings account where the interest rate is typically higher, along with the minimum account balance requirement being higher as well.

While you do have access to the funds (compared to CDs, where you don’t without a penalty), you’re limited to 6 typical transfers or withdrawals per month due to federal regulations. Withdrawals that don’t count towards this limit are those by ATM, in person, by mail, by messenger or by telephone.

EverBank’s Yield Pledge Money Market account requires a $5,000 minimum to open. In reference to its name, this account also pledges to stay in the top 5% of all competitive accounts.

Also, there is no monthly fee for this account.

Here are the interest rates/APYs:

*Bonus 1-Year Intro APY: 1.41% On Balances Up To $250,000

Balances

Ongoing APY

$100,000 – $10,000,000

1.21%

$50,000 – $99,999.99

1.11%

$25,000 – $49,999.99

1.05%

$10,000 – $24,999.99

1.01%

$0 – $9,999.99

1.01%

* First year APYs on balances up to $250,000 for first-time money market clients. Ongoing APYs apply to 1) amounts over $250,000 during the 1-year introductory period; and 2) all balances after the 1-year introductory period.

As you can see, there is also a Bonus Interest Rate for the EverBank Yield Pledge Money Market account.

So why would you choose to put your savings in a money market account? People typically make this decision when they want to earn more than a traditional Savings account, yet want to have access to the funds just in case, as opposed to a CD (Certificate of Deposit) account. Plus, there is no risk like there is if you put the funds in the stock market, 401K, etc.

EverBank Yield Pledge CD Bonus

As you may have guessed by now, EverBank’s Yield Pledge CD option also promises to yield in the top 5% of competitive accounts. These are actually some of the best CD rates in the market for certain terms. We list some competitors below for comparison.

The minimum to open here is $5,000 and there is no monthly fee. Again, you make the choice of a CD when you can leave the funds untouched for the term of the CD.

Here are the current APY rates:

Term

APY

3 month

1.25%

6 month

1.45%

9 month

1.60%

1 year

2.05%

1.5 year

2.12%

2 year

2.35%

2.5 year

2.30%

3 year

2.40%

4 year

2.50%

5 year

2.65%

* Interest rates and APYs shown for balances up to $1 million. Call for additional rates.

By: Tony Phan | Last Updated: March 17, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

M.Y. Safra Bank was established in 2000 as T. Rowe Price Savings Bank and changed to its current name in 2013. They are headquartered in New York, NY and offer Checking, Savings, Money Market, CD and Business accounts.

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

MYSB Direct Online Money Market Account Offer

To obtain the advertised APY, you must be a US natural person and reside in New York State, open your account online; deposit new funds; maintain a minimum balance of $5,000.00;
enroll in online banking; and agree to exclusively receive periodic statements in electronic format

The APY assumes monthly compounding of interest at the rate indicated for a full year

Interest rate applied to entire deposit based on balance met

Minimum opening deposit is $5,000

The MYSB Direct Online Money Market account is limited to one per household.

M.Y. Safra Bank, FSB reserves the right to require not less than 7 days’ notice in writing before each withdrawal from a MYSB DIrect Money Market account

By: Tony Phan | Last Updated: March 17, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Find updated promotions and offers from Limelight Bank here.

Established in 2017, Limelight Bank is an internet-only bank launched by Capital Community Bank (CCBank). Being online-only, Limelight Bank is able to provide better rates than accounts serviced by traditional banking setups. This is ideal for accounts like Certificate of Deposits, which require very little maintenance.

While Limelight does have competitive rates with their launch, their product line is limited. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.

We’ll review the current offers below.

Limelight Bank Online CD Account Offers

The Certificate of Deposit Accounts offered by Limelight Bank are opened through the online application on their site. To fund the account(s), you can opt between electronic funds transfer (EFT), wire transfer, or check.

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

By: Tony Phan | Last Updated: March 16, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Synchrony Bank (which used to be known as GE Capital Retail Bank) is an online bank that offers Savings, Money Market, CD and IRA accounts with great rates.

While Synchrony Bank does have one physical branch in Bridgewater, New Jersey, you should consider this an Online Bank for all intents and purposes. You’ll get great rates and low fees similar to other online banks. One downside to Synchrony Bank is that they don’t have a Checking account option. More top online Checking accounts can be found reviewed here.

Synchrony Bank Breakdown

Pros

Cons

Mobile-optimized site instead of a mobile app

No person-to-person transfers

Great website navigation and layout with useful savings calculators

There is no mobile app, which can be a letdown for some

You get a daily mobile deposit limit of $10,000 after you’ve been a customer for six months

No chat line for customer support

Participates in the Plus, NYCE and STAR networks for ATMs

Only one branch, in Bridgewater, New Jersey. This should be considered more of an Online Bank anyway.

For money market account holders, Synchrony refunds up to $5 per statement cycle for ATM fees charged by other banks

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

No minimum balance or monthly service fee to worry about with this account.

Current rate: 1.55% on all balances. Many banks will offer tiered rates for different balances.

Rates are much higher than the national average

You can make withdrawals online, over the phone or with your ATM card

Choose to control your money through the online banking portal, or by speaking with a bank representative

Funds are FDIC insured up to $250,000 per depositor, per insured bank, for each ownership category

*The number of electronic and telephone transactions you can make with your High Yield Savings account is limited to six withdrawals per statement cycle by federal regulations.

Opening A High Yield Savings Account

In order to open a Synchrony Bank High Yield Savings account, all you need is:

Your Driver’s License or Military ID or State ID Number

Your social security number

This can be done online or in person at their branch in Bridgewater, New Jersey. Outside of this location, Synchrony Bank handles most of it’s business and client transactions online or via telephone. Customer service is available from 8am to 10pm Eastern time to assist banking clients. They also use a relay service for the hearing impaired.

Author’s Verdict

Overall, Synchrony Bank is a great option for people who want a low fee incurring account to store their money with the added benefit of interest. But if you want a Checking account and in-person banking options, you may want to look elsewhere. You might also want to compare this Savings account to the Salem Five Direct and CIT Bank Savings online accounts. Stay up-to-date with all the best Savings/Money Market accounts here. More top Savings account options below:

By: Tony Phan | Last Updated: March 15, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

First National Bank Omaha (FNBO Direct) is another of many online-only bank accounts in today’s financial marketplace. Just like all the competitors, FNBO Direct can provide lower fees and higher rates by keeping their operations strictly online. They provide all your main banking needs, including Checking, Savings, CDs, and credit cards.

FNBO was started in 1857 and was just a small bank serving only Omaha, Nebraska and the surrounding areas for quite some time. They are now a subsidiary of First National Nebraska and serve 6.6 million customers nationwide. First National Nebraska is actually the largest privately owned banking company in the nation.

While their Checking and Savings interest rates are typically much better than traditional banks, they aren’t market leading. Use our guides to compare rates: Savings/Money Market Rates | CD Rates.

We’ll review the popular account options below and any current promotions.

With an FNBO Direct Online Savings Account, there are no monthly fees or minimum balance requirements and you can open an account with as little as a $1

Get access to your money anytime and save with the confidence of superior online security. Plus, with easy transfer options, send money to and from your accounts easily

Need to split the check for lunch, throw in for the office party, or send a cash birthday gift? Popmoney is a simple, convenient and secure way to send and receive money using your FNBO Direct accounts

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

FNBO Direct Online Checking

Similar to popular Online Checking accounts from BBVA Compass, EverBank and Ally Bank, you can consider this a free checking account. One of the main differences with online bank accounts versus traditional banks is that there are no Monthly Service Fees to be concerned about.

FNBO Direct Checking Features

Aside from just about everything being free, one of the main attractions of the FNBO Direct Checking account is that it earns a decent interest rate.

FNBO Direct CD Rates Up To 1.15% APY

Certificates of Deposit offer guaranteed earnings and higher earning potential than Checking or Savings accounts. You can choose to withdraw all your funds when the CD matures, or let it renew automatically. Unfortunately, FNBO Direct hasn’t been very competitive with their rates for some time now.

By: Tony Phan | Last Updated: March 15, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Find new Capital One 360 promotions, bonuses and offers here.

Capital One 360 is the online suite of accounts (i.e. Savings, Checking, Business,etc.) available from Capital One bank.

Online checking and savings accounts are becoming more and more popular now, due to the convenience and lack of many fees familiar with the local banks. By cutting many costs involved with traditional face-to-face banking, Capital One 360 can provide money saving options.

The Capital One 360 Checking and Savings accounts are two of the best options available today from a major reputable bank. We’ll go over the current available bonus opportunities, and well as your account options.

Capital One 360 $25 Checking/Savings & $100 Money Market Bonus

If you’ve never had a Capital One 360 account before, you can earn a $25 bonus for a new Capital One 360 Checking and/or Capital One 360 Savings account. For the Money Market account, the bonus can range from $25 to $100 depending on your deposit amount.

How To Earn The Bonuses

360 Savings account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account. Initial deposit does not include bonus. The $25 bonus is available only for new 360 Savings accounts with a new Capital One 360 Customer as the primary account holder. Your $25 bonus will automatically be deposited into your account upon account opening. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.

360 Money Market account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account. Initial deposit does not include bonus. Bonuses are only available for new 360 Money Market accounts with a new Capital One 360 Customer as the primary account holder. The balance/bonus tiers are: $250-$9,999.99 earns a $25 bonus; and deposits of $10,000 or more earn a $100 bonus. The maximum bonus you can earn is $100. Your bonus will automatically be deposited into your account upon account opening. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.

360 Checking account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account, and that have a total of 3 Debit Card purchases or Person2Person Payments (or any combo of the two) post to the account within 45 days of account opening. Initial deposit does not include bonus. The $25 bonus is available only for new 360 Checking accounts with a new Capital One 360 Customer as the primary account holder. The $25 bonus will automatically be deposited into your account on day 50, once the requirements are met. Bonus starts earning interest upon deposit and is available for withdrawal immediately upon deposit.

Capital One 360 $1,000 In Referral Bonus Money

Once you have either(or both) the Capital One 360 Checking or Savings account open, you can refer friends and family. All you have to do is log in to your account online, click on the “Refer a Friend” link, and start referring via Facebook, Twitter, and Email with your own referral link.

You can earn $20 per referral, up to a total of $1,000 in bonus money. And to help entice your friends and family, they can also earn a sign-up bonuses by meeting the requirements on the offer page.

Expiration: None

Bonus Amount: Up To $1,000 Total

Account(s) Eligible: You can make referrals if you have any Capital One 360 account

Availability: Nationwide

Minimum Opening Deposit: The referred must make an initial deposit of at least $250.

Bonus Requirements:

The referred must open an account using your referral link and make an initial deposit of $250.

The $250 will be unavailable for withdrawal for 30 days.

After the referred meets those requirements, your bonus will be deposited into your own open account.

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

Capital One 360 $400 Checking/Money Market Bonus

Another Checking/Money Market Combo Offer!

You can earn a $200 bonus for a new Capital One 360 Checking account and a $200 bonus for a new Money Market account with this offer. The terms state that you must have received this offer in the mail, but this targeted restriction hasn’t been enforced for previous offers.

These cash bonuses are only available to you if you received our offer in the mail and if you do not have an existing 360 Money Market, 360 Checking or 360 Savings account.

How To Earn $400 In Bonuses

Open your first Capital One 360 Checking account or 360 Money Market account online and deposit at least $1,000 per account opened no later than September 30, 2017, 11:59 p.m. ET.

Capital One will deposit the $200 cash bonus into your checking account approximately 10 weeks after you accept the account terms and conditions and complete the above conditions. Once it’s deposited, the funds will be available immediately.

Open both 360 Checking account and 360 Money Market account, and complete the qualifying conditions for each.

Please note that the $400 bonus is the sum of the two bonuses and is not a separate bonus offer.

Fine Print

These cash bonuses are only available to you if you received our offer in the mail and if you do not have an existing 360 Money Market, 360 Checking or 360 Savings account.

To receive any of these bonuses, you must be the existing primary or secondary account holder, and account(s) must be in good standing (not in default, closed or suspended).

If you open an account through a business, it may be subject to closure/conversion.

Bonus is only available for one 360 Checking account and one 360 Money Market account, and multiple new accounts will not qualify.

You must have a valid Social Security Number to open a 360 Money Market or 360 Checking account.

$400 Bonus With Capital One 360 Checking!

Targeted, but high success rate with readers!

*Disclaimer: This $400 bonus offer is a targeted offer for current Capital One customers, so if you didn’t receive an email or mailer you’re said to be ineligible. That being said, we’ve had SEVERAL readers report that they’ve successfully received the bonus after meeting the requirements, despite not having received direct communication from Capital One 360. Take a look at the comment section below to see several successful attempts. We definitely think it’s worth a shot given the high bonus value.

How To Earn The $100 Bonus

Open a new Capital One 360 Checking account and accept the terms/conditions by the offer expiration date.

Receive 2 direct deposits of $250 or more within 60 days of accepting the terms. Direct deposits must be an electronic deposit of one of the following: your paycheck from your employer, Social Security/pension or other government benefits. Direct deposit is subject ot employer or other payor options.

You will receive the $100 credit to your checking account about 90 days after your acceptance of account terms and conditions.

To qualify for the bonus, you must be the primary account holder, and this has to be your first 360 Checking account (this includes former Electric Orange accounts, too).

$200 Bonus With Capital One 360 Checking

This $200 bonus for the Capital One 360 Checking account is a targeted offer, but the offer code seems generic enough. Still, we can’t guarantee it will work for you or not.

There is no minimum balance to worry about, no monthly maintenance fees, and you get to use the 38,000 Allpoint ATMs along with the 2,000 Capital One ATMs nationwide, for free. Allpoint ATMs can be found at well-known businesses like 7-Eleven, Walgreens, CVS, Target, Tom Thumb, etc. Basically, you’ll have more options for free ATM use than with your local bank.

You’ll get a free MasterCard debit card, just like you would with your local bank.

How do you make deposits with an online checking account? Well, they have a mobile app that can handle that, along with all your common banking transactions. If you’ve never made a deposit through your smartphone before, you will learn to love the convenience it provides.

You can protect yourself from insufficient funds by linking a free 360 Savings account, or by applying for an Overdraft Line of Credit (you borrow money to pay for insufficient funds).

Lastly, one of the coolest features of the Capital One 360 online checking account is that you actually earn a decent interest rate on your balance. There’s simply no comparison versus the local banks.

The Capital One 360 Savings is a very popular online Savings account option when there’s a bonus offer available. Otherwise, the highest rate is just 1.00% APY (at the time of this article update).

Just like with the checking account, there are no fees and no minimums to worry about here either.

You can use the mobile app to make deposits here also. You can also make deposits over the phone or by mailing in a paper check.

If your company does Direct Deposit, it might be a good idea to have your paycheck go straight into the Capital One 360 Savings account and just transfer over to your linked checking account as needed. The checking account can be a local bank or the Capital One 360 checking. Either way, the transfers are free of charge.

Of course, you’ll earn a much better interest rate compared to your local bank.

By: Tony Phan | Last Updated: March 15, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

The Chase Sapphire Preferred® card is probably one of the most popular credit cards with a bonus today. Currently, you can earn 50,000 bonus points that are worth $625 toward travel when you redeem through the Chase Ultimate Rewards® program, which is one of the best credit card rewards programs. This is the best card bonus value for a card with an annual fee below $100 (*the $95 annual fee is no longer waived the 1st year).

You can also earn another 5,000 bonus points after you add the first authorized user and make your first purchase in the first 3 months from account opening. The ongoing rewards are also great, at 2 points per dollar spent on Travel and Dining. Like other great travel cards, there’s no foreign transaction fee.

How The 50K Bonus Points Are Worth $625

You’ll earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. If you think you’ll have any difficulty meeting that spending requirement, we go over some options further down below.

You’ll have several options for redeeming your bonus points, including cash back, gift cards, or to book travel through the Ultimate Rewards program. Redeeming with cash back or gift cards will only yield a value of 1%, or $500 for the 50K points. When you book travel (airfare, hotels, car rentals, cruises) through the Ultimate Rewards program, you’ll get 25% more value resulting in $625 worth of travel with your bonus points.

The bonus offer is one of the best, but this card won’t be a good fit if you don’t spend much on Travel and Dining, where you’ll earn 2 points per dollar. Purchases outside of these categories will only earn 1 point per $1.

If you don’t spend much on Travel and Dining, a more flexible rewards card like the Barclaycard Arrival Plus may be a better option with its 2% (2.1% for travel redemption) earnings rate on all purchases.

One of the best ways to take advantage of the Chase Sapphire Preferred® card is to supplement it with the Chase Freedom card. Both cards earn Ultimate Rewards points, so you can pool them together. The Chase Freedom® card earns 5% cash back on categories that change each quarter. Earn 5% on those categories when appropriate, and use your Sapphire Preferred® card on all other purchases. The 25% more value on travel through the Ultimate Rewards program is only a benefit of the Sapphire Preferred® card, so having both is a great pairing.

Finally, one of the biggest benefits for travelers with this card is the option to transfer your points over to partner airline and hotel loyalty programs at a 1:1 rate. It’s a great way to get that airline ticket or hotel night if you’re falling a bit short on those miles/points.

Airline & Hotel 1:1 Points Transfer Partners

British Airways Executive Club

Flying Blue AIR FRANCE KLM

Korean Air SKYPASS

Singapore Airlines KrisFlyer

Southwest Airlines Rapid Rewards

United MileagePlus

Virgin Atlantic Flying Club

World of Hyatt

IHG Rewards Club

Marriott Rewards

The Ritz-Carlton Rewards

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards®

Earning The 50,000 Bonus Points

If you need some ideas on top of your everyday spending to meet the $4,000 on purchases in the first 3 months requirement, use our Card Bonus Spending Requirement guide. Here are some options included in the guide:

Purchase Gift Cards that you know you’ll end up using. Grocery store and Restaurant gift cards are popular choices. See some of the best gift card ideas here. American Express and Visa Gift Cards offer more flexibility but will incur purchase fees, and possibly shipping fees when purchased online. Check this page for updated fee-waiver promo codes from Amex. *Tip: call in to have your Cash Advance limit set to $0 before purchasing gift cards as sometimes issuers will code them as Cash Advances and you’ll incur the fees. Citi has been known to do this.

Many other options include paying your property taxes, your rent, or your mortgage but see the guide for all the details.

What’s The Competition?

Below are some credit cards with sign-up bonuses that you’ll want to compare with the Chase Sapphire Preferred® card before applying.

Barclaycard Arrival Plus™ World Elite MasterCard®

The Barclaycard Arrival Plus® World Elite Mastercard® offers a 40,000 miles bonus when you spend $3,000 on purchases within the first 90 days of account opening. When you redeem these miles for travel purchases, they're worth $420 due to the 5% in bonus miles you get back every time you redeem for travel.This card has an annual fee of $89 that's waived for the first year, and will earn an ongoing rate of 2 miles per $1 on all purchases. That's basically earning 2% if you redeem towards travel, and 2.1% if you take into consideration the 5% bonus each redemption.If you like to travel, this is a great card worth considering for the flexibility in miles usage without being tied to any airline or hotel. Also, there are no foreign transaction fees to be concerned with. For users who don't travel often, we recommend considering other options. Full Review

The Capital One Venture card currently earns a 50,000 miles bonus when you spend $3,000 on purchases within the first 3 months. These bonus miles are equal to $500 in travel and are easy to redeem as a statement credit towards the cost of your travel purchases. This card will earn an ongoing 2 miles for every dollar you spend on all purchases. 100 miles is equal to $1 in travel rewards. If you don't redeem towards travel purchases, your miles will have less value. The annual fee is $95, which is waived for the first year. Full Review

Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $500 in travel

The Chase Freedom® credit card is going to earn you a $150 bonus after you spend $500 on purchases in the first 3 months from account opening. You can also earn another $25 bonus when you add your first authorized user and make your first purchase within this same 3 month period. People like this card because it earns 5% cash back on up to $1,500 in combined purchases in bonus categories that change every quarter. The downside is you have to keep up with the quarterly categories, and activate the category each quarter before you can earn the 5%. You'll earn 1% cash back on all other purchases.There's also a 0% intro APR for 15 months from account opening on both Purchases and Balance Transfers. After the intro period, a variable APR will take over. The Balance transfer fee is 5% of the amount transferred with a minimum of $5. Many people have this as a supplemental card to use specifically on the 5% category spending, and use other other cards when it's more beneficial. The categories change each quarter, but historically they have included things like gas stations, grocery stores, and holiday shopping. There's no annual fee to be concerned with, so it fits well with such a strategy. Full Review

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate

Unlimited 1% cash back on all other purchases — it's automatic

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. Balance transfer fee is 5% of the amount transferred, $5 minimum

Enjoy new 5% categories every 3 months

Cash Back rewards do not expire as long as your account is open

No annual fee

The information related to this card has been collected by MoneysMyLife and has not been reviewed or provided by the issuer of this card.

Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply for the Barclaycard Arrival Plus® World Elite Mastercard® and earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days. These 40K bonus miles are worth $420 in travel redemption. This is one of the best credit card bonus offers for a travel credit card. Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

CIT Bank is offering a 1.55% APY rate with their Premier High Yield Savings account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

By: Tony Phan | Last Updated: March 18, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

We’ve researched hundreds of the top banks in the nation and have compiled a guide to help everyone find the best CD rates for your specific needs.

Certificates of Deposit are going to give you the best return on your savings when investing with banks or credit unions. Online Banks are going to be the best option for most, and We’ll discuss why below.

What You Need To Know About CDs

What is a Certificate of Deposit? They are basically deposit accounts where you earn a fixed interest rate over your chosen term length. The significant difference with CD accounts compared with Checking or Savings accounts is that you cannot access your money without penalty, until the term is over.

Why Choose CDs Over Checking/Savings Accounts? The bottom line is, CDs will give you higher interest rates than traditional Checking and Savings accounts. Some banks and credit unions have high-yield Checking and Savings accounts though, don’t they? Yes, but these Rewards Checking accounts usually have Direct Deposit and minimum transactions requirements to keep up with. And for even the best Savings accounts, the interest rates are only competitive up to 12 month term CDs. For terms greater than 12 months, CDs typically take the lead.

Are CD Accounts Insured? Yes, up to $250,000 per account (FDIC insured for banks and NCUA insured for credit unions)

Special Requirements For CDs. The beauty of CDs are that they are low maintenance. You choose a term length, deposit at least the minimum required, and let your interest accrue. You MUST keep up with when your CD matures (or expires), because most banks will automatically renew the CD at the end of the term. Be sure to set up a calendar reminder, because you’ll only have a short window of time to cancel after the term is over.

Biggest Disadvantage Of CDs. The biggest disadvantage to CDs is you don’t have access to your money. You definitely need to know if you have a set amount of money you can put away for a while. While you can access your money before your term ends, this will incur penalty fees. Since the best rates are for CD terms greater than a year, you’ll have to tread carefully if you’re not 100% sure you can afford to set the money away.

“CD Laddering” Tactic

There is one neat tactic you can employ with CDs called “CD Laddering” when you’re unsure about putting away a big chunk of your savings for the long term. It involves setting up multiple CDs with differing term lengths. Doing this will allow you more access to your funds.

Here’s how it all works:

Here’s a typical scenario where CD Laddering can come in handy. Let’s say you’ve got $10,000 you’d like to invest in a CD. While looking for the best CD rates, you find that a 5-year CD earns double the interest of a 1-year CD. However, you’re unsure you can put away that entire $10,000 for a long 5 years.

With CD Laddering, rather than putting the entire $10,000 into one 5-year CD, you put $2,000 into 5 different CDs (i.e. 1,2,3,4,5-year CDs). What happens in this scenario is each of the CDs will earn a different amount of interest, with the 5-year CD likely earning the most. Additionally, each CD will expire with every passing year. Once the 1-year CD expires, you can decide to either withdraw the money if you need it, or re-invest it into a new 5-year CD. With each passing year, you’ll be able to make this decision with each expiring CD. Once 5 years have passed, assuming you’ve re-invested all the expired CDs, all of your CDs are then essentially 5-year CDs that are earning that higher interest.

Since you’ll have access to a part of your cash with each passing year without penalty, many people like taking this approach. This was just one example, you can vary the CD terms and amounts of deposits according to your own particular needs.

*To go even further with this strategy, consider mixing CD terms from different banks that will yield you the highest combination of rates.

Where To Open A CD Account?

For most of us, our first introduction to CD accounts was probably through a local traditional bank that we do day-to-day business with. The problem here is, traditional brick-and-mortar banks offer the worst CD rates. With all the overhead costs they incur, there’s simply no way to offer customers competitive rates. Credit Unions and Online Banks offer much better rates.

National Bank CD Rates

The biggest banks with the most branches actually offer the poorest CD rates. They count on the fact that they have such a big customer base, and a general lack of knowledge of CDs from these customers, to drive their offers. Among the big national banks, Bank of America tends to offer the best CD rates. Still, you’re better off with other options.

Regional Bank CD Rates

Regional banks, who still have a significant customer base, offer a bit better rates for most CD terms. The drawback is that most of these CD accounts are only going to be available to you if you live in a region where the bank operates.

Credit Union CD Rates

In general, Credit Unions offer even better rates than Regional Banks for most of the longer CD terms. Credit Unions are institutions created and operated by their members. Not only are there regional restrictions, you’ll also have to deal with becoming a member to take advantage of these CD rates.

Online Banks Offer The Best CDs

Just as is the case with Online Checking and Online Savings accounts, Online CD accounts are the way to go now for the best rates.

When you’re looking to put your investments somewhere, the main priority is going to be getting the highest rates. You’re not going to need much in terms of face-to-face service that you’d get with traditional banks and credit unions.

Because they operate online, these banks offer CD accounts that are available to everyone nationwide. There’s no need to worry about finding a local branch, or applying for membership.

How To Choose A CD Account

Online Banks are going to give you the best CD rates that are available nationwide. Here’s how to find the best rates with these online CD accounts.

First, figure out what minimum balance requirement you can meet. This is the minimum balance required to earn the listed Annual Percentage Yield (APY). If you plan on depositing $25K, you will qualify for every CD account that has no minimum balance requirement to those with a $25,000 requirement.

Second, choose your CD term. CD accounts earn higher rates because your money is meant to be tied up for the entire CD term. Early withdrawal of your funds is possible, but you will incur an early withdrawal penalty fee. Put away money that you won’t need access to for the entire CD term to take advantage of the best CD rates.

*Disclaimer: Our team updates these rates daily. It’s always a good idea to confirm rates with the bank directly.

Best CD Rates Ranking

Below you’ll find the best CD rates from all the best banks ranked from highest to lowest based on CD term. Listed are the Annual Percentage Yields (APYs) and Minimum/Maximum deposit amounts that will earn the stated APY.